21R Credit Analyst Intern

Credit Analyst Intern

Location : BCS Momentum Plaza

Summary : Prepares written in-depth credit analysis for Commercial and Industrial and Commercial Real Estate loans by underwriting the basics of commercial credit worthiness and identifying and analyzing sources of payment.

Job Functions :

• Interprets financial data, financial condition and level of risk related to various types of borrowing entities and individuals including financial statement analysis, collateral evaluations, trend analysis ratio and industry analysis.
• Creates cash flow schedules based on personal and business tax returns and / or financial statements.
• Reviews and spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower.
• Creates Pro-Forma analysis to assess the company's / individual's ability to repay current and proposal debt obligations based on the perceived level of risk determined in the analysis.
• Makes recommendations on approval or declination of loan requests.
• Provides commercial loan officers with a loan policy resource.
• Review appraisals and environmental reports.
• Support the loan approval process through credit authorization preparation and distribution. Provide documentation of committee approvals and requirements.
• Maintain approved vendor lists for real estate appraisers, attorneys, title companies, environmental investigators, and associated qualifications files to comply with regulatory requirements.
• May perform other tasks and assist in projects as needed.

Position Requirements :

Key Qualifications :